FSM Processing Loan

Back in August 2006, I got a $500.00 "loan" with FSM Processing. I have had previous loans with the same company and they always automatically start pay downs of $50.00 after the 4/5 refinance. It is now a year later and they have not done any paydowns on my account and it was not until today that I was able to reach someone about this. I believe my "loan" should be paid in full many times over and my debt erased with this company.